Bank Comparison
Jarrettsville Federal Savings and Loan Association vs First National Bank in Ord
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Jarrettsville Federal Savings and Loan Association | First National Bank in Ord |
|---|---|---|
| CET1 Ratio | — | 22.92% |
| Tier 1 Capital Ratio | — | 22.92% |
| Total Capital Ratio | — | 24.17% |
| Tier 1 Leverage Ratio | 12.29% | 11.42% |
| Equity / Assets | 11.63% | 11.26% |
Profitability
| Metric | Jarrettsville Federal Savings and Loan Association | First National Bank in Ord |
|---|---|---|
| Return on Assets (ROA) | 0.07% | 2.16% |
| Return on Equity (ROE) | 0.60% | 19.30% |
| Net Interest Margin (NIM) | 2.47% | 3.80% |
| Yield on Earning Assets | 4.55% | 4.98% |
| Cost of Funds | 2.32% | 1.31% |
Asset quality
| Metric | Jarrettsville Federal Savings and Loan Association | First National Bank in Ord |
|---|---|---|
| Texas Ratio | 2.69% | 1.29% |
| Non-Performing Loan Ratio | 0.27% | 0.31% |
| Non-Performing Asset Ratio | 0.19% | 0.16% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.05% | 1.61% |
Balance sheet
| Metric | Jarrettsville Federal Savings and Loan Association | First National Bank in Ord |
|---|---|---|
| Total Assets | $165,246K | $165,392K |
| Total Deposits | $145,208K | $146,523K |
| Total Loans | $116,148K | $83,454K |
| Total Equity | $19,211K | $18,623K |
| Net Income (quarter) | $29 | $884 |
Liquidity & funding
| Metric | Jarrettsville Federal Savings and Loan Association | First National Bank in Ord |
|---|---|---|
| Loan-to-Deposit Ratio | 79.99% | 56.96% |
| Core Deposit Ratio | 88.69% | 93.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Jarrettsville Federal Savings and Loan Association | First National Bank in Ord |
|---|---|---|
| Headquarters City | JARRETTSVILLE | ORD |
| Headquarters State | MD | NE |
| Asset Tier | Small | Small |
| Charter Class | 706351 | 13557 |
| Regulator | OCC | OCC |
| Domestic Branches | 1 | 3 |
| Employees (FTE) | 14 | 25 |
| Established | Jan. 1, 1876, midnight | Jan. 1, 1882, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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